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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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absolutely a great piece of research that will provide a significant shift in providing a defendent with a sound platform to promote his or hers defence.

 

would we rightly assume that providing the claimant is seeking less than £5000 that this pre defence action is applicable to credit agreements/ credit cards and other claims similar to utilites charges and the like of.

 

djc

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thanks surfaceagentx20

 

it more than clarifies the point raised and provides clear instruction to its use, for the litigant.

 

look forward to your response to claimant not conforming to the request of CPR 31.14

 

djc

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Subbing. Have achieved three discontinuances so far by questioning validity of the CCA, but this can only strengthen the arguments. Thanks.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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hi! surfaceagentx20

under forum heading 'campaign'we have posted a thread named 'Fighting back against northampton bulk cc' something we would welcome your views upon. sorry not been able to find out how to link to this yet but early days.

 

This piece of work that you posted hear we believe clearly provides a way forward in helping those in desperate need of clear advice and quick help.

 

we are not sure if the thread that's

there is the right one but would welcome your input.

 

regards

 

djc

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hi! surfaceagentx20

under forum heading 'campaign'we have posted a thread named 'Fighting back against northampton bulk cc' something we would welcome your views upon. sorry not been able to find out how to link to this yet but early days.

 

This piece of work that you posted hear we believe clearly provides a way forward in helping those in desperate need of clear advice and quick help.

 

we are not sure if the thread that's

there is the right one but would welcome your input.

 

regards

 

djc

 

I've posted the link for your thread djc,

Here it is

http://www.consumeractiongroup.co.uk/forum/campaign/158548-fighting-back-against-northampton.html

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one little question for you I am at the AQ stage took copy to the court yesterday and as of yet still not received any information at all no response to the CPR PART 18 i sent to Optima legal is it now to late to send this CPR 31.14

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/151709-help.html

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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one little question for you I am at the AQ stage took copy to the court yesterday and as of yet still not received any information at all no response to the CPR PART 18 i sent to Optima legal is it now to late to send this CPR 31.14

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/151709-help.html

 

 

 

 

Don't see what you have to lose!

 

Might as well send it.

 

Unless someone has a good reason for not sending it!

 

 

Jeff.

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Subbing. Have achieved three discontinuances so far by questioning validity of the CCA, but this can only strengthen the arguments. Thanks.

 

On what basis Goldlady? Could you elaborate a bit here? Would be interested why you questioned validity and what was upheld.

 

Cheers

jax

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All were withdrawn at the eleventh hour. If you look under my user name and threads I started, look at the CL Finance ones. I only went to court once, only to find they had withdrawn the claim. But all were based on the in-validity of the CCA and I was not 100% certain that I would have succeeded if it had gone before a judge. But don't tell them that;)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Surfaceagentx20,

It was suggested that I 'test' your document above here:

http://www.consumeractiongroup.co.uk/forum/legal-issues/159640-claim-form-northampton-county.html#post1709975

 

Whilst I can claim statute barred in this case, I think I'd like to see what happens.

 

It's a bit strange because the claimant is actually only asking for interest, not for any part of the alledged debt. Do you think this will be a problem? Personally I can't see how they can claim interest on a debt that is barred.

 

Thanks in advance for any help you might be able to give.

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All were withdrawn at the eleventh hour. If you look under my user name and threads I started, look at the CL Finance ones. I only went to court once, only to find they had withdrawn the claim. But all were based on the in-validity of the CCA and I was not 100% certain that I would have succeeded if it had gone before a judge. But don't tell them that;)

 

Can't seem to find your threads GL but I assume from you have said it was THEY who took YOU to court???

 

What was the basis of their claim and I assume you defended on the CCA being invalid? Have you posted copies of your CCAs on the threads? Would be interested to see them and why they are deemed invalid.

 

Regards

jax

:cool:

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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi x20 and all - great letter!

 

I am preparing ahead of the possibility of two imminent actions, and am preparing defenses and arguemnts againt the likely POCs. Can you recommendunder what circumstances I might choose to send the CPR 31.14 letter rather than cPR18?

 

Am a scientist not a legal so you make have covered it and I missed it. I understand your letter would act as a stronger show of initial strength that the defendant would mean business...but are there situations where one would be better than the other, or are both as effective?

 

I should add my debts are likely stat barred so I would be willing to test this out if you requie it

 

Cheers

 

Rob

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Hi x20 and all - great letter!

 

I am preparing ahead of the possibility of two imminent actions, and am preparing defenses and arguemnts againt the likely POCs. Can you recommendunder what circumstances I might choose to send the CPR 31.14 letter rather than cPR18?

 

Am a scientist not a legal so you make have covered it and I missed it. I understand your letter would act as a stronger show of initial strength that the defendant would mean business...but are there situations where one would be better than the other, or are both as effective?

 

I should add my debts are likely stat barred so I would be willing to test this out if you requie it

 

Cheers

 

Rob

 

Rob, yes X20 covers the reasons/cirumstances for sending the letter in post 1 ... in post 1 before the letter. :-D

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Might it also be worth putting it on the Consumer Credit Agreement thread as well alanalana ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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